3189 BAYVIEW LANE, St. Cloud, FL, 34772 | $529,900

Welcome to this beautifully maintained 4-bedroom, 3-bath pool home located in Sawgrass – one of St. Cloud’s most desirable communities. Offering serene water views and a thoughtfully designed layout, this true open floor plan features vaulted ceilings, abundant natural light, and durable hard flooring throughout the home, creating a bright and inviting atmosphere. The spacious primary suite is a private retreat, complete with bay windows and a cozy sitting area overlooking the pond, dual walk-in closets, and a well-appointed en suite bath featuring dual vanities, a corner soaking tub, walk-in shower, private water closet, and additional storage. Designed for flexibility and privacy, the double split-bedroom floor plan includes a guest room and full bath on one side, while two additional generously sized bedrooms share a beautifully updated pool bath on the opposite side. The kitchen is equipped with granite countertops, newer Samsung appliances, a breakfast bar overlooking the dinette, and a pantry, with a formal dining room just off the kitchen—perfect for entertaining. A separate office features barn doors concealing a built-in Murphy bed, and custom shelving, offering versatile space for work or guests. Step outside to enjoy the large screened-in lanai and saltwater pool, uniquely designed with a volleyball-style layout—deeper in the center and shallower on each end—all overlooking peaceful water views. The backyard is enclosed with wrought iron fencing, providing an open feel while defining the space. Additional features include a 2-car attached garage, interior utility room with sink and storage, new saltwater pool converter and pump, pool screen (2020), lanai with TV mount and power, gutters, storm door with screen option, and a quiet dead-end street location. Conveniently located with traffic light access to both Hickory Tree Road and Canoe Creek Road, and just minutes to the Florida Turnpike, this home offers both comfort and accessibility.

Features

  • Rooms: 11
  • Bedrooms: 4
  • Baths: 3 full
  • Laundry: Electric Dryer Hookup, Inside, Laundry Room, Washer Hookup
  • Year Built: 2002
  • Garage: 2-car Driveway, Garage Door Opener
  • Heating: Central, Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 2,241
  • Acreage: 0.32
  • Est. Taxes: $4
  • HOA Fee: $492 Annually
  • Lot Desc: Cul-De-Sac, FloodZone, City Lot, Landscaped, Sidewalk, Street Dead-End
  • View: Pool, Water
  • Pool: Gunite, In Ground, Outside Bath Access, Pool Sweep, Salt Water, Screen Enclosure, Solar Cover
  • Pet Policy: Cats OK, Dogs OK, Yes
  • Appliances: Dishwasher, Disposal, Electric Water Heater, Microwave, Range, Refrigerator
  • MLS#: S5146061
  • Days on Market: 17 days
  • Website: https://www.raveis.com
    /prop/S5146061/3189bayviewlane_stcloud_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. (last updated 5/22/2026 11:02:11 AM)
Listing courtesy of GODWIN REALTY GROUP   Phone: 407-957-9545

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

Our Executive Mortgage Banker:

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3189 BAYVIEW LANE, St. Cloud, FL, 34772

$529,900

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $423,920 $423,920 $423,920
Term 360 months 360 months 180 months
Initial Interest Rate** 6.250% 6.625% 5.875%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.609% 6.887% 6.078%
Monthly Tax Payment $0 $0 $0
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $2,610 $2,714 $3,549
Total Monthly Payment $2,702 $2,806 $3,641

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.  The Total Monthly Payment does not include the estimated HOA/Common Charge payment.